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tv   MONEY With Melissa Francis  FOX Business  January 21, 2013 5:00pm-6:00pm EST

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infinite possibilities. david: time to go off the desk. i'm glad we have some video to go along with this story. happy birthday, who tears. turning 30. celebrate, getting a little nip and tuck, announcing the restaurants will undergo a redesign giving the chain more modern and open field. customers don't need to worry. waitress outfits will remain the same. but the video. liz: a little young. david: where are the videos? liz: also, worried about road reached? a new study has discovered the best and worst days for road rage. how many complaints were made each day of the week was the total complaints made each month it turns out tuesday's in september of the worst days. david: who would've thought. time for the two things that we
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are going to look out for tomorrow. number two, google earnings. the internet giant is expected to report. we will let you know how that turns out as soon as it happens. >> and sales of previously owned homes is coming up teeseven is time for melissa francis and "money" next. thanks for watching. ♪ melissa: here is what is "money" tonight. the first governor to find a way to pay for obamacare. those familiar with the conservative republican are surprised to hear the answer is more taxes. this time on hospitals. we will diagnose what this means for you no matter where you live plus the did you know these teeseven has been an entire year since president obama's job council officially made? to as to save the economy. are you happy with how things are going? or power panel is here with what should be happening.
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for all you brides and grooms to my being the case of cold feet, don't despair. a new company lets you buy and sell your wedding. all you have to worry about is the person elected the altar. the woman behind this new business, even when they say it's not, it's always about "money." all right. we start with the first to announce plans on how exactly it hopes to pay for obamacare. a little bit surprising. republican arizona governor says that the tax increase interstate is the answer. the governor proposing a new hospital provided tax, and this is on topple all the taxes we were just three weeks ago. a number of experts and even some hospitals are on board with the governor's new tax hike. with me now is one of them. from the university of arizona public health policy and
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management professor. welcome to the show. do you think this is a good idea? >> good evening. i think that for arizona this is a very novel and innovative approach to solving a particularly difficult dilemma in getting the 20 percent of arizona is a don't have health insurance coverage. this will get as part way there through medicaid expansion. melissa: stopping about maybe as 6 percent tax. the exact number is not laid out the look to cover the gap that is left between what the feds would be providing and what it's going to cost them. a kind of want to follow the "money" a little bit. the stolid as 6 percent tax. he slapped a tax on hospitals as they provide this service. how did you see that playing out? to me it seems like a just passed that on to their consumers. >> well, this is something that states have been doing for some time. as far as levying a provider tax to help pay the state share. medicaid.
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and 49 states currently do levy a tax for providers and provide is being defined as not only hospitals but also -- melissa: is your impression the provider would take that out of their profits, that 6 percent? would they slap that on top of what they're charging you and i and the health insurance company? >> i don't think it is quite that simple as just an add-on costs that it would pass on to the consumers. the choice here is really, do you continue with staggering uncompensated care costs for the uninsured, or do you get some payment for those services at the hospital? melissa: i understand why they want to be paid. and is wondering where the money is coming from. i get that they want to be paid for the services. and just wondering where you think that money is coming from. >> well, in this case it would be the hospitals that would pay a portion of this through a tax, whether that is 4% or 6%.
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yet to be determined, but that would cover the state's share of what it would cost to draw down the federal funds. melissa: when they have to pay that, do you think that it comes in the form of, you know, now they have this 6 percent more. would they take that from their profits? with a charge more to the people who are coming in for the services in order to cover that 6 percent? >> i don't think the consumers will see an increase in what they're paying for. i think it is important in the case of arizona to understand that there is already a provider hospital tax in the state's largest city, phoenix and which has the largest concentration of hospitals. they are already doing this provider tax, so it would not be a new burden. melissa: what is the other option? you're saying it would come out of their profits then. if there are not passing it on to the consumer, the only other place -- they either have to fire workers or they would have to -- i don't know if they have
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a 6% profit margin. i don't think it's quite that high. where do you think they get that money? >> i think you have to take a step back and look at what happened when the state froze medicaid enrollment. about 125-150000 arizonans became uninsured. the hospital share of that uncompensated costs, the costs that they occur because of that decrease in medicaid coverage increased the uncompensated care cost about 80%. so when you get people covered the uncompensated care cost goes down. so i think that is where -- melissa: for sure we agree on that point. we're just having trouble getting to where that money would come from. thank you for coming on. >> thank you. melissa: okay. now on to the big day in d.c. a lot of pomp and circumstance, but not enough to lose sight of our economic reality, nor enough to forget. [inaudible] milestone was passed on friday. it has been one year without an
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official meeting of the president's job council. all those heavy hitting ceos were supposed to come in with their big ideas to create more jobs and save the economy. well, set to expire at the end of the month. here to talk about what the hen actually done is today's awesome power panel. fox business chief sr. vp big cheese, the man in charge, all hail our leader. right next to him, as if he could possibly follow that introduction, fox news political analyst and also a thrill to have iman. i can build them up in the same way, although i would love to. then at the end of the line. capital asset management. the name of your fund says it all. thank you for joining me. let me start with the jobs council. they have not met for your. if you why they're on the scene. is that what all the buzz is about? at think that is what everyone's talking about.
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>> probably michele obama's banks. melissa: we have been talking about that. yes. >> that has been the topic of conversation. more than a tone of this president's speech. a lot of people said he got a little nasty with the republicans. i didn't really find that he did he was laying out his agenda. he was saying, look, was elected. these of the consequences. if you think i'm going to retreat on these big issues, although it might be a little annoying to republicans, he clearly sent the signal that he is not. he is not going to relinquish that and feels he does that have to. we will see. this is a president who is writing that, you know, 5050, 51-52 percent approval rating in ducking it because he has the advantage. a rating and about a fifth of that. therein lies the big is that he
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has over a number of other second term predecessors. melissa: any talk on the jobs council where you are? no? >> no, not really. a lot of those people who are on the jobs council, the people who run xerox, aol, the idea was that they would come in and that they would be in the president's ear giving him advice from people who are facing the realities of business in america on a daily basis and who could do hiring. a lot of those people have been in and out of the white house. the jobs council itself has not met. melissa: is that your impression? >> i think the jobs council, these men and women were used as props. not unlike the way that the president used the children from the terrible tragedy in the town as props. the president used the jobs council as a prop to appear that he was reaching out to business people. you knew it was a facade because to is that the head of that council?
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the better example of cronyism and capitalism. but i think the president has shown in my opinion no interest in crossing over that line, beginning to implement some of the strategies and the jobs council had put forward. the only one concrete that they did put forward was more infrastructure spending, not the type of reduction in taxes and regulation that most business leaders in this country would actually move this a job -- economy forward. melissa: as you said, today is not the day for all the branches because it is the day to do your victory lap around washington, right around the bobwhite. you mentioned the favorability rating of the president. 51 percent, in january when he came into office it was 76%. so he does not necessarily hold the same sway that he did before. and again, he does not have another election. who cares? >> there is that. it is important to point that the sum much what this president said as much as what his surrogates or those doing his
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bidding in the senate more to the point by saying. presumably on his behalf. chuck schumer comes to mind, and he has already said that the senate will produce a budget. it will mean a lot higher taxes on rich people. if republicans don't like it, forget it. deal with it. it is that message that is coming through loud and clear. they feel that since the cliff deal they could triangulate republicans to make the house allow stock so that if the house rejects with a rare coming up with a look like obstructionists it is no small accident today that this inauguration day republicans chose to announce that they're going to have about on extending the debt limit for another three months. in other words, to put off this very, very important matter for another few months. as much to get their own ducks
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in order as the countries. but this tells you something about the mind-set of republicans. they still behind the eightball. melissa: we will break that down even more after the next commercial break. let me ask you before we get to that. do you feel like the tenor has changed? of republicans even more in the backseat? maybe they are just walking behind the car now. >> it is just pure numbers and politics. in the pure political calculation they're at a disadvantage right now. i think it is pretty clear to republicans that their retreat last week and democrats in washington, the american people would blame the republicans much more so than they would blame president obama. the numbers that were touched on earlier in terms of the personal popularity as well as the job approval for the presidents far outstrip the republican majority in the house and congress over all. so there's just no question that right now republicans are we calibrating trying to figure out how they can play this game in
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no way that helps them. what they're hoping is that a two month hiatus, which is what they will get by giving the debt ceiling increase for that much longer, i will allow them to say to a majority of the american people, this is where they listen. there needs to be cuts in this budget. it's too big, the deficit to my commanding gauges the economy. melissa: they were you are. don't move. i want to talk to you about what kneele just brought up. the debt ceiling debacle and those comments from chuck schumer. all of that after the break. the staggering death toll in the algerian hostage crisis keeps rising. reports say more than 80 people were killed including three americans. now some question why the algerian government acted the way it did. we have details on the latest developments. more "money" coming up. don't go away. look, if you have copd like me,
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♪ >> we are going to do the budget, and it will have revenue in it. our republican colleagues better get used to that fact. melissa: new york senator chuck schumer laying the groundwork. pick up tomorrow morning after all the warm fuzzy feelings are over. clearly democrats still calling for more taxes.
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how will it all plays out and who will get stuck with the tab? looking back to today's amazing power panel. the man in charge. and the fox news political analyst, hedge fund manager. fox news contributor. in know, when i hear chuck schumer, that sounds like a bully on the playground. tomorrow and coming back and i'll take a back pack. >> they feel the momentum is going their way. nowhere in the address to dated he elena plan to get all the spending under control. he talked about addressing our big budget down the road. i'm paraphrasing here. it was not the same sense of courtesy that republicans have had about this. so with the sense that they get out of this president, the same commitment to go after entitlements, he did not seem to intimate that.
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we have to it dot the is and cross the t's. but nothing but it is general statements today indicated the president who is willing to aggressively go after entitlements. i will not say that is a gimme. melissa: republicans watching their lunches and backpacks and maybe they're jackets, shoelaces . his stomach is getting rough. >> i think -- look. it has been rough. from the white house perspective republicans have been obstructionist, and i think you're seeing here is a white house the says we're not going to negotiate against ourselves, allow the republicans tech continually engaged in brinksmanship and take us to the edge of the fiscal cliff where the edge of the debt ceiling. that is part of it. the democrats feel they have the political advantage. i think what we saw today was the president giving and not to
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republicans say we have to do something to rein in the deficit but quickly coming back and saying, we are not plan to undermine such as security, medicare, medicaid. politically he is in an advantageous posture with regard to the major entitlement programs. melissa: that all sounds true. the problem is the origin of all of this debt are those entitlement programs. if we don't get them under control we are looking at the national debt when the president took office. it is now 16. that is the 60 percent increase over that time frame. i mean, without tackling those entitlements, i don't know how you get that crazy balloon under control. >> in the president's continues to have an interest in spending, taxing, and that think the reason they have the momentum is that the gop for all intents and purposes has given up the moral high ground. the biggest momentum that the republicans had was for the tea party. cutting spending was seen as
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patriotic. under this president cutting spending is seen as obstructionists. that is exactly what they're used to of losing these battles. give up the moral high ground. melissa: i don't know if you can hear us any more because it sounds like that marching band is marching right up on top of you, but is there any way to take the moral high ground back for republicans? can they make cutting spending or not leaving this enormous debt to our children and grandchildren, and then make that the moral high ground again? >> well, they may have to be willing to cut things near and dear to them. shave the growth of the military we have a budget in the military that is still built on a rock in afghanistan. so i think there is room for them to get there. look, we are open to getting everything. we agree to revenues even though we didn't want to.
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what are we going to do about spending? that cannot continue at the pace as the regions of language away from saying a cut is the same thing as simply slowing the growth of a program. that is what they're talking about that is draconian. so when we are talking about slowing the growth of republicans have to refrain this and say, that's throwing granny off a cliff, forcing granny. but they keep this debate because they are always on defense. they will not be on the receiving end of a parade like this for many alexis to, unless they get their act together. melissa: is there one thing republicans to put on the table that would turn the tide of the conversation? cut military spending, something that can make them look fresh and new? >> all laugh to say, they're responsible and the other side is not to read at think that message, like 60 percent
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said government spending is out of control. but the question is how you go about it. you can't do it in a butcher block fashion that would allow people to get hurt. the political screening will be so intense. you saw what happened with paul ryan, the head of the house budget committee republican from wisconsin when heated. he got hammered for cutting cuts in terms of medicare in the seniors, even those who are involved with tea party. wait a second. not me. go after the government workers, somebody else, but not me. it has to be done in a way that allows the american people to see republicans and democrats in it together. that would give it the republicans moral high ground to say we're the ones being responsible. melissa: i love it. thank you. terrific power panel. >> you're welcome. melissa: next on "money," the death toll in algerian hostage situation reportedly rising to 80 people, questions surfaced about how the algerian government handled the
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starting at $37,800. ♪ ♪ melissa: turning now to the deadly hostage crisis in algeria. the death toll is now reportedly more than 80 people including three americans. that figure includes the debt of both terrorists and some of those held captive. the bp-run natural gas facility in the sahara desert in libya. there have been a lot of questions about what happened during a botched rescue mission. why did the algerian government go in so aggressively with guns blazing? is it possible there was some sort of agenda here to help me after all these questions?
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manhattan institute adjunct fellow and farcies contributor judy miller. thank you for joining us. a lot of talk, a lot of rumors about what really went on in this situation. some people i've been asking, why did they go and so hard? was the something else a worker? >> i think that anyone who knows algeria knows that this is the way it was going to end. the only issue -- yes, the algerians have been battling islamist militants for roughly 20 years. 1992 after they had a coup, they decided there were not point to let people who were elected come to power. the military took over, and ever since then there has been how many civil war going on. the algerians have a policy of no negotiation ever at any time. the only mystery is why the head of this brigade thought that he would possibly --
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melissa: that begs the question of why they would launch this attack. even if they described one of the hostages from ireland when he escaped, he was interviewed. said that he escaped with explosives around his neck. it said it up to explode obviously. this does not sound like any hostage situation we ever heard about before. the algerians are so loved, why would they come in and try and take over this facility? >> you could always argue the militants simply miscalculated. the terrorists simply thought that if they had enough westerners, they had enough hostages, surely algeria would have to talk. if algeria did not want to talk, the united states and canada and england and france would make negotiations began. that is why algeria did not communicate with any of its normal partners. that is why the decided to move without coordination or even in forming the and states and other countries what they were
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planning. melissa: they knew what they wanted to do and did not want outside input. >> exactly. melissa: what is the larger lesson? we are show about , and focused on this oil installation. of course, the toll to human life is unspeakable. we are looking at the business installation three does this say that oil installation in algeria is unsafe? is it only algeria? is a round the world? would you look for this much more aggressive hostile attack? >> as we know, security at every facility like this all over north africa has been stepped up dramatically. nonessential workers a been withdrawn. i know think that anybody thought that this was a vulnerable facility. and what it says is that al qaeda units and al qaeda affiliated units are out there and able to cross the great boundaries and distances and carry out strikes like this, and you cannot assume that anywheres when to be safe. melissa: what does that mean for the u.s. calling for? more involved?
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not involved enough? to read just have no control? >> we have only given them about a million dollars a year for really training since 2008. we had our first port visit with them only last year. the algerians have not wanted our help. they say they can do this themselves. it makes coordination and cooperation somewhat difficult if you are dealing with people who are described as prickly and paranoid. the state department cables. melissa: that is a great point. thank you for your insight. time for today's fuel gauge report. president obama vowed to respond to the threat of climate change. the president also emphasizing the importance of sustainable energy sources like wind and solar power. he said, investing in clean energy is an economic solution for the u.s. the administration is now scrapping a plan for tough new fracking rules. the measure unveiled would have forced energy companies to reveal the chemicals there were using when drilling on public land.
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in entirely new draft of final regulations are set to be the first major rule governing the process. you want to watch that very closely. and a handful of energy companies. fortune magazine's list the -- listed the top 100 companies to work for. fun factor in the back in 2010 the oil and gas promised the staff that if it doubles its production rate and reserves by 2015 every employee will get a check for a hundred thousand dollars. everyone. and an earlier held goal that was meant rewarded 400 workers with 50,000 each. sounds pretty good. one to trade in the dusty old van gogh for a luxury it -- luxury getaway in st. barts? the ceo of a new pond business that only caters to the 2%. good news. and the company less people buy and sell canceled wedding plans. you're not out big bucks when
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your fiancee gets cold feet. would you buy a used wedding? i don't know about that. piles of "money" and nuptials coming up. ♪ [ male announcer ] you are a business pro.
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even fine art, you're probably not going to look upon shop. good news for anyone -- was sitting on some pricey pieces. ultra upon is new website marketed for the high net worth individual or you can on anything from precious metals to diamonds to electronics, even certified art, items were up to a million. tell us all about it, ultra upon ceo. thank you for coming on the show this is not the place with the blinking light next to the local lockup where the relative comes over and sort of -- you're talking about legitimate people with money who want to to pawn things? >> sibila get what happened after 2007-, lot of very smart companies founded a smart move to turn their hard assets in the cast because they needed liquidity. the seven consumer of financial-services is no different. they required items of value and
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now they're either be leveraging or have other uses for that value. the 2%, upper echelon luxury consumer. they can turn those hard assets and to value. melissa: selling them are you giving them a loan against it at a high rate? >> they can do either. they can sell it outright or we can do alone. however, it is not at a high rate. uppers' a 20% per month. our laws are priced at between two and 10 percent per month. the bad deal when they see it. ellis cicada them in both customer service and price it will work. melissa: i don't know. i guess that peace your cash advance rate on your credit card, but if you have a million dollar item and not sure if you need cash quickly. all set that aside. i'm very interested in your business. someone came in and wanted to the pond or sell an aide and a
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half carat diamond from million dollars. is that the most expensive thing you ever saw? >> so we actually had a fellow out and california. he inherited a very large diamond, and he was looking to start a new business. he needed capital to do that, could not get it from his banks. he came in and we work to longer-term loans. dayton after diamond, almost flawless. a market value of about a million. melissa: i would really like to have that. he does not want to selig and is just using it for collateral, i can see why that makes sense. what is the strangest thing that someone ever wanted upon? i heard one point there was a cat vault. >> yes. so we actually got a call from a fellow on the east coast. he wanted to upon his pedigreed show cat that had won all sorts of awards and prizes. he sent us the pedigrees certificate and everything. so that was the strangest.
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we obviously declined in a particular transaction. melissa: i have to stop on that. what was his idea, should be the cat in you hang onto it and feed the wealthy pay back the loan? how logistically did he see them working at? >> i have no idea. we did not get that far into it. the minute we saw a live animal, having to work at the logistics' we immediately decided we are not in that business. melissa: have you seen business explode recently in the past few years or need for this particular business? you have a lot of competition? >> there is competition, but i don't think that the porn industry has traditionally take -- cater to the customers we are catering to. upon industry in our opinion, a customer service model is fundamentally flawed. we think the pricing model is fundamentally flawed. so in many years you have people, particularly after credit-tightening in 2007-8 looking for ways to turn that story up hard asset value in to
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cash value. certainly pent-up demand that has not been served by the existing bond market which is why we found. melissa: of rare map. but was the story behind that? >> it was fantastic. a guy, his grandmother passed away. he found this map in her attic that was sealed off. the fact -- the broader than. very old. no idea what it was, so we brought in an expert and the experts told him and us about the map. it was made by a very famous italian cartographer. it was made just after europe had discovered that the earth was not flat. so, you know, north america attached to asia. cmos design the map. a famous piece of art. it was worth approximately $40,000. and the customer is very happy to receive it. melissa: very interesting. i'm going to produce your reality show. we're going to talk after this. you would get it on the air.
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coming up next, considering what you could pawn looking around your house, how about your wedding? no joke. and new business was seen by someone else's dream for a discount. you have to stick around to see this one. at the end of the day it's just all about "money." there you go. ♪ this is $100,000.. we asked total strangers to watch it for us. thank you so much. i appreciate it. i'll be right back. they didn't take a dime. how much in fees does your bank take to watch your money? if your bank takes more money than a stranger, you need an ally. ally bank. your money needs an ally.
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♪ melissa: keeping in the spirit of selling things, particularly big ticket items, consider this, your wedding. by that, i mean selling your wedding to someone else, maybe even being the one to buy a wedding someone else has planned for one reason or another no longer need speed read about a quarter of a million weddings are halt -- call off so whenever
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you have. selling your wedding. what can you sell and what can't you? i cannot imagine you could sell the whole thing. how does it work? >> the idea is that you do sell the old thing. adds a package, just like you're going on in buying your hotel and your airplane in a renter, olive once. so if the bride and groom had already booked the caterer and florist and the venue in the d-day and the photographer, we go ahead and sell that as a package so that someone doesn't that worry about planning a. melissa: to people just threw it all in the pile? >> they tried to get rid of it. we don't do rings and dress, but there are a lot of sites that do we stick pretty much today of actual events. melissa: when you go and buy it, are you able to change the color of the flowers? as is and you end up making their decisions whatsoever? >> so it depends on exactly what
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it is. obviously the florist has not put together the actual bouquets until the day before and the caterer has not made the food. things like that you can absolutely change. the color of the flower or exactly what the dishes are or may be having cake looks. as far as the parts of it, the venue and to the caterer is and things like that, you have really put that in advance, that is what we sell together as a package. you can still customize the things that make the wedding you like the colors and the favors and that place cards and all those things. melissa: sure. >> your disk and a blank the plan. >> this sounds like a funny story. then i read a quarter of a million people plan to call off their wedding every year which is an enormous number. how many people have registered on your site? how long have you been in business? , as traffic at the scene? >> i just started the business in june. we have well over 1,000 people registered. melissa: you want to sell or
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buy? >> the combination of both. definitely more people interested in buying. which is interesting. so we have a lot more buyers and sellers right now. melissa: thereafter be people out there who just, maybe they were too bashful to go and sell their wedding after it didn't work out or thought it was bad luck for someone else. melissa: say you spent $30,000. how much are usually able to sell it for roughly? 50%, 75 percent? >> yet. it depends because really it varies based on if you paid in full. we still have a lot remaining, the incoming bride and groom
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would pick up. it varies, but we have to be able to give back people that are definitely fair and ease some of that burden a little bit. melissa: absolutely. thank you so much. very interesting. here is our question of the day. would you buy or sell a canceled wedding? your reaction has actually been mixed. we want to hear from more of you you can like us at facebook. follow me on twitter. all right. the original bat mobile driven by adam west in the 1960 tv series sells for a record price. stay tuned for the details. same time, same bat channel. you can never have too much "money" are too many massed crept up to the crime fighters. twins. i didn't see them coming.
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before investing. risk includes possible loss of principal. ♪ melissa: all right. it's time for a little fun with "spare change." joined by fox business finest, elizabeth macdonald and ashley webster. thank you for joining us. >> my pleasure. melissa: first up of remember this sweet ride a 1960's batman tv show? is just sold for a bruce wayne sized fortune. and here is the best part. the original car from a just $1. i know. talk about a return on
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investment. when either of you drop 4 million a piece of pop culture memorabilia? >> look at the back screen. melissa: not driving this. i'm not sure it really works. >> when i was a kid i had the toys sized version. the coolest thing. melissa: that could not have been saved. does it come with that woman? that is the question. >> it has its own oil slick that it can eject. rockets that it can eject. also, and anti that schism. melissa: had its punch? a hard time getting the license plates. all right. next up, in this rough economy every dollar counts. understanding the magnitude of the situation. they are implementing a new
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generation of atms that allow withdrawals as low as the dollar . even as the ability to give out points. still at $3 surcharge for out of network transactions. you have to ask yourself, if you're going to get a dollar, and you want to pay 34 it? >> i get it. they want to get that underserved part of the population. but as far as cashing checks, you get down to the penny. you're right. a $3 charge. >> i think they should have had this a long time ago just to make it easier for the consumers, but those people regain their accounts down to the last $11 or $8, the banks going to get their $35 overdraft fees. cuffee generating plant. that's where it's all about. melissa: and we applaud that. vr business show. so are you feeling down in the dumps? i am not to but if you are, it is probably because today is officially the most depressing day of the year. the third monday of january has
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been dubbed a blue monday because of a lack of sunlight, frigid temperatures, and the end of the festivities. what is making you said today? >> the idea that i may have to retire at age 70. i may have to wait longer. melissa: it's you know like this job? >> i know if you want to see me at seven years old on camera. i may be a crossing guard. melissa: i had fun with that. >> seventy, really, 70 years old. that is what they're talking about. melissa: still have to prime the out of here with a crowbar. >> working. the sultan.believe it or not, b, the helmet.
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melissa: are you crazy? >> joe montana and all those. the falcons, the city of atlanta has never had anything going but the falcons. there were this close. melissa: the real house was of atlanta. >> that's another reason. melissa: did on the football. come on. all right. next upon president obama was publicly sworn in today. vice-president biden may not be buying it. take a listen to this. >> i'm proud. [laughter] melissa: i love it when the guy from the back. hey, listen. i think it's fantastic. joe biden. >> i loved him. because of this see is -- the as a massive size issue that he puts it is not all the time. can you imagine him as president? superb.

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